Consolidated Insurance Programs
Why choose Zurich for consolidated insurance programs?
Zurich is a leading provider of consolidated insurance programs (CIPs or “wrap-ups”) supporting owners and general contractors.
A wrap-up is a consolidated insurance program (CIP) purchased by an owner or general contractor (known as the sponsor) to manage insurance coverage, costs and services for large, multi-year construction projects or a group of projects. It is an effective risk management product, providing workers’ compensation and commercial general liability coverage for all enrolled contractors and subcontractors performing work on a specific project.
Streamlining Success for Major Projects
For large-scale construction, a Consolidated Insurance Program (CIP) is more than just a policy; it is a strategic asset. Zurich helps project owners and general contractors simplify complex risk landscapes by bundling coverage for all eligible parties into a single, cohesive program.
Whether you need an Owner-Controlled Insurance Program or a Contractor-Controlled Insurance Program, our solutions are designed to help you:
- Create Coverage Consistency: Replace a patchwork of individual policies with broad, uniform limits for all enrolled contractors, helping to reduce coverage gaps.
- Extend Protection: Secure coverage through the statute of repose with our dedicated completed operations limits, designed to help protect your project long after the ribbon cutting.
- Improve Efficiency: Simplify administration and potential cross-litigation between contractors, helping to keep your project focused on the timeline.
We work with you to structure a wrap-up that aligns with your specific project goals, helping you build with greater certainty.
Contact your broker, or find a Zurich preferred broker to discuss structuring a CIP for your next project.
Service support for wrap-up programs in the following areas:
- Claims management
- Risk Engineering
- Internet of Things (“IoT”) technology
- Administrative services
Zurich’s consistent commitment to the North American construction industry, combined with our expansive experience and broad service capabilities, positions us to be your partner of choice for your next wrap-up.
Please contact your Zurich Underwriter to learn more.
Zurich Construction Leadership Directory
As one of the leading insurance carriers in the construction industry, our mission is to provide creative solutions for the risks our customers face today and in the future by providing a broad array of distinctive products and services, we work to help limit the cost of risk while helping to increase job site safety awareness.
Zurich Construction’s experienced leadership team is ready to work with you to help ensure your business risk management needs are met.
Project-Dedicated Risk and Claims Support
A successful wrap-up program relies on active management. That’s why Zurich Insurance pairs our CIP coverage with dedicated support services. Our Construction Risk Engineering specialists perform a limited advisory function, working directly on your site to help coordinate safety standards across all enrolled trades. This collaborative approach helps create a uniform safety culture that can reduce the frequency and severity of losses.
Additionally, our dedicated Claims Services team utilizes a coordinated approach to manage claims that do arise. By having a single point of contact for the program, we help streamline communication and resolution, avoiding the delays often caused by multiple carriers arguing over liability.
With Zurich, you get more than insurance; you get a team committed to helping you manage the total cost of risk for your landmark projects.
Contact your broker, or find a Zurich preferred broker to learn more about our wrap-up support services.
Risk Engineering
Through Zurich Resilience Solutions (ZRS), we provide specialized insights and tools to support our customers with solutions addressing traditional and evolving risks – above and beyond insurance.
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Claims Services
Zurich Claims specialists are strategically deployed in the U.S. and around the globe to help customers mitigate and respond to loss events, and to gain insights into becoming more resilient against future losses.
Learn moreFAQs
- Consistency of coverage for all enrolled contractors and subcontractors, eliminating the potential for coverage gaps
- Stable rates and benefit of economies of scale yielding competitive pricing
- Coverage for duration of project, including statute of repose
- Control of safety plan throughout the project(s)
- Reduced potential for litigation
- Efficiencies in claims, administration and support services
- Contractor-Consolidated Insurance Program (CCIP) or Rolling Contractor-Consolidated Insurance Program (RCCIP) for general contractors
- Owner-Consolidated Insurance Program (OCIP) or Rolling Owner-Consolidated Insurance Program (ROCIP) for project owners
- Single or multi-site programs (rolling programs)
- Maintenance wrap-ups
- Programs for public, private, public-private partnerships (P3) and joint ventures
